If you see Ad Astra Recovery Services on your credit report—or a variation like “ad astra rec” or “ad astra recovery serv”—you likely have an unpaid debt that’s been sent to collections. Here’s what that means and how to remove it from your report.
What Is Ad Astra Recovery Services?
Ad Astra Recovery Services, Inc. (AARS) is a third-party debt collection agency based in Wichita, Kansas. They collect past-due accounts on behalf of lenders and other businesses, and their name may appear on your credit report if they’ve been assigned your debt.
Who Does Ad Astra Collect For?
Ad Astra Recovery Services works with clients in several industries, but they’re especially known for collecting payday loans, including those from Speedy Cash. They also handle:
- Unpaid short-term loans
- Returned checks
- Insufficient funds payments
- Other consumer debts
If you’ve fallen behind on a payday loan or had a check bounce, Ad Astra might be the company trying to collect.
Is Ad Astra Recovery Services Legit?
Yes, Ad Astra is a legitimate debt collection agency. But just because they’re real doesn’t mean every claim they make is accurate. Always verify the debt before paying or engaging with them.
How to Remove Ad Astra Recovery Services From Your Credit Report
Collection accounts can damage your credit for up to seven years. Here are a few ways to try to remove the account from your credit report:
- Dispute any inaccuracies – If the information is wrong or the debt isn’t yours, file a dispute with the credit bureaus.
- Negotiate a pay-for-delete – Offer to pay the debt if Ad Astra agrees in writing to remove the entry from your credit report.
- Work with a credit repair service – Professionals can send validation requests, handle disputes, and negotiate removals on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Ad Astra?
Don’t jump into a payment plan without confirming the debt is accurate. Start by asking for a debt validation letter. If Ad Astra can’t prove the debt belongs to you, they must stop collection efforts.
Also, making a payment could restart the statute of limitations, depending on your state. This can make the debt collectible again—so always review your options carefully.
Can Ad Astra Sue or Garnish Your Wages?
Yes, Ad Astra can sue you to collect the debt. If they win in court, they may be able to:
- Garnish your wages
- Freeze your bank account
- Use other legal tools to recover the money
Not every case ends up in court, but the risk is real. Rules about lawsuits and garnishments vary by state.
Ad Astra Contact Information
Ad Astra Recovery Services, Inc.
7330 W 33rd St N, Suite 118
Wichita, KS 67205-9370
Phone: (866) 398-2089
Complaints About Ad Astra Recovery Services
Like many collection agencies, Ad Astra has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect credit reporting
- Harassing phone calls
- Failure to verify debts
If you experience any of these issues, you can file a complaint and invoke your rights under federal law.
Know Your Rights Under the FDCPA and FCRA
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). Here’s what Ad Astra is not allowed to do:
- Report false or incomplete debt information
- Ignore validation requests
- Use threats or abusive language
- Mislead you about their identity or authority
- Threaten arrest or criminal charges
You have the right to request validation and dispute inaccurate entries on your credit report.
Get Ad Astra Recovery Services Removed From Your Credit Report
You don’t have to face collections alone. Credit Saint has helped thousands of people remove negative items like Ad Astra from their credit reports—and they offer a 90-day money-back guarantee if they don’t deliver.
Call (855) 281-1510 or visit their website to see how they can help improve your credit.

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.